How much is the down payment for the mutual trust constellation house? _ Mutual trust constellation second-hand house

How much is the down payment for buying a house?

Calculate how much it will cost to decorate your home.

In the current real estate market, there are few people who buy a house in full, and most buyers still choose to pay a certain down payment first, and then apply for a loan to repay the mortgage in the form of monthly mortgage. What's the down payment on that house? Then let's take a look!

If it is a house with a million yuan, according to the regulations issued by the bank, the down payment for the first suite is generally around 300,000, not less than 30% of the house price. If you already have a property in your name, the down payment for buying a second suite usually needs 500,000 to 600,000, accounting for 50% to 60% of the house price. Regarding the down payment amount, the bank only has the minimum standard, which actually depends on the economic situation of the buyers themselves.

If both husband and wife pay the provident fund and choose the provident fund loan to buy a house, according to the relevant regulations, the maximum loan can be 450 thousand. In this way, if the loan amount of 450,000 is deducted from the total purchase amount, the remaining amount is the down payment of the house. For example, the house payment is 800,000 yuan, after deducting the provident fund loan of 450,000 yuan, the down payment is 350,000 yuan.

If you choose a commercial loan, the down payment often accounts for half of the purchase price. A house with a million yuan, with a down payment of 500 thousand. However, the size of the down payment still depends on the income and repayment ability of the buyers and how many loans the banks can give. The remaining house payment is the down payment that the house needs to pay.

However, in order to increase the sales of houses, some developers often introduce some preferential policies on down payment. The minimum down payment standard is lowered by 10 percentage point, that is, the buyer only needs to pay 20% down payment, and the rest 10% is paid in advance by the developer. Buyers only need to pay the down payment of 10% of the remaining house price within 12 months, which relieves their own economic pressure to some extent.

Under normal circumstances, the down payment for purchasing the first ordinary house is generally calculated at 30% of the total house price. If you buy a second suite, you need to pay a down payment of not less than 60% of the house price. For those who apply for a loan, the benchmark interest rate will be implemented for the first suite, but the interest rate for the second suite will rise by 10 percentage point.

I hope the above answers are helpful to you.

Enter the area and get the decoration quotation for free.

Enter the area and get the decoration quotation for free.